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Bryce Waite, Branch Manager at Source Mortgage Group, Interviewed on the Colorado Real Estate Leaders Podcast

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Bryce Waite, Branch Manager at Source Mortgage Group, Interviewed on the Colorado Real Estate Leaders Podcast

Published on January 20, 2023

Bryce Waite discusses the top tips first-time homebuyers need to know. 

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-bryce-waite-branch-manager-at-source-mortgage-group/

There are many things first–time homebuyers can do to prepare when looking for a home:

  1. Get Pre-Approved for a Loan. Before shopping for a home, it’s important to get pre-approved for a loan so they know exactly how much they can afford. A pre-approval not only helps make sure they’re getting the best deal on their mortgage but also shows sellers that they are serious about buying. It also gives them an idea of what kind of interest rate and loan terms to expect when they find a house that meets their requirements.
  2. Set a Realistic Budget. Establishing a budget is vital before committing to homeownership; not doing so can lead to financial hardship in the future. Consider all expected expenses, such as taxes, insurance, repairs, and maintenance, and ensure enough savings to cover them. Making a budget also helps ensure that people don’t get in over their heads by buying a house that is out of their price range.
  3. Research Mortgage Options. Different lenders offer different types of loans, so it’s important to research and find the one that best suits their needs. Some mortgages carry higher interest rates or require larger down payments than others, so it’s best to understand all the terms before signing on the dotted line. Consider seeking advice from a mortgage advisor for help navigating every detail of picking out the right loan.
  4. Inspect the Property Before Buying. Getting a home inspection is essential to ensure they’re not buying something with serious structural or environmental issues that could cost more. The inspection also includes a radon test so that they can provide their new home with no health hazards.
  5. Get Ready for Closing Costs and Other Fees. Closing costs are unavoidable when buying a house, but they may be higher than expected and vary from state to state. If possible, it’s good to save up in advance for these expenses so people don’t get caught off guard once they sign the paperwork. Other fees, such as title insurance, recording fees, and transfer taxes, should also be considered when budgeting for a home purchase.
  6. Prepare for Maintenance and Upkeep. Owning a home doesn’t stop at the closing table. They’ll need to make sure they’re prepared to handle basic maintenance and upkeep of their property, such as landscaping, painting, changing out lightbulbs, etc., throughout the year. Setting aside money in a “maintenance fund” can help cover unexpected costs that arise from keeping up their home. Allocating funds for regular upgrades or repairs will also help maintain the value of a property over time.
  7. Understand the Home Buying Process. Knowing what to expect before, during, and after buying a home can make the entire process less intimidating. Being aware of important deadlines and other details will help to stay organized throughout the transaction. Keeping a real estate agent in the loop is important so they can easily guide them through each step. Additionally, it’s helpful to consider attending workshops or seminars that lay out the ins and outs of home buying and provide valuable information on finding success as a first-time homebuyer.
  8. Don’t forget the Small Things. Once they’ve done all the hard work of finding a home and making it theirs, owners should not forget to enjoy the small things that come along with homeownership. Whether it’s adding their own personal touches or embracing the little quirks of their new space, they should take the time to celebrate the milestone they have achieved!
  9. Seek Help from Professionals. Last but not least, first-time home buyers should never hesitate to seek help from professionals who can guide them through buying their first home. Realtors, mortgage lenders, and financial advisors are all great resources for navigating the complexities of homeownership. Take advantage of their expertise, and don’t be afraid to ask questions – they’re there to help make the journey easier!
  10. Be Mindful of their Financial Situation. Before they start the home-buying process, it’s important to consider their long-term financial security. Their credit score, debt-to-income ratio, and other factors can affect their ability to secure a loan for an affordable home. Establishing an emergency fund in case unexpected costs come up during or after the purchase is also a good idea. Being mindful of finances now can help them avoid costly mistakes in the future.

Client Amanda P. says: “As everyone knows, now is a hectic time to buy a home. Bryce was always readily available to us whenever we were ready to put in an offer on a home, which was often on weekends or in the evenings. He took the time to contact the sellers, when possible, and reassure them that we were strong buyers. This definitely helped us with our purchase in the end. In addition to this, when we encountered difficulty obtaining a standard loan, Bryce and the team worked diligently to find us alternative solutions. Definitely dedicated and hardworking. We definitely appreciate the effort put forth by Bryce and his team.”

Client Terry K. says: “Bryce and his team got me exactly what I wanted. They would not give up and did not try to Per-sway me one way or another. They were great at keeping me in the loop and answered any questions I would have. Very happy with Bryce, thank you!!”

 

 About Bryce Waite

He manages the Denver branch and his background as a US veteran proves he is a successful leader with a competitive approach. He is fueled by his passion for finding the best rates and loan options to fit all his clients’ needs, while offering the best service from start to finish. He is well-versed in all loan programs and enjoys guiding his clients through the home-buying process. He works with first-time buyers and experienced investors alike. He is recognized for his attention to detail, sound advice, and commitment to his clients.

Learn more: https://sourcemortgagegroup.com/about-us/

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Joe Massey, Senior Loan Officer at Castle & Cooke Mortgage, Interviewed on the Colorado Real Estate Leaders Podcast

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Joe Massey, Senior Loan Officer at Castle & Cooke Mortgage, Interviewed on the Colorado Real Estate Leaders Podcast

Published on January 31, 2023

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-joe-massey-senior-loan-officer-at-castle-cooke-mortgage/#

Joe Massey discusses the top misconceptions about the mortgage and real estate market.

  1. Misconception #1: A low credit score will automatically disqualify people from getting a mortgage. While it’s true that having a poor credit score can make it harder to get approved for a loan, this isn’t always the case. Every lender has different criteria when evaluating potential borrowers, and in some cases, they may take other factors into account, such as income or job stability, when making a decision. It is possible to get approved for a mortgage with bad credit.
  2. Misconception #2: Real estate investing only requires money. Although capital is important for any real estate venture, many additional skills and knowledge are necessary for success as an investor. From understanding, local markets to knowing how to negotiate and close deals, investing in real estate is much more than just a financial transaction. Those who want to be successful in the field need the right combination of resources and knowledge.
  3. Misconception #3: A mortgage broker doesn’t work for people. Mortgage brokers are there to help guide borrowers through finding the best loan for their needs. They are working on their client’s behalf, helping to ensure they get the best possible deal regarding securing financing.
  4. Misconception #4: The housing market is too unpredictable to invest in. While it’s true that the market can change quickly, there are strategies and methods investors can use to protect themselves against changes in the market. Things like diversification and taking advantage of tax benefits are just two ways savvy investors can safeguard their investments from fluctuations in the market. With proper planning, investing in real estate can still be a profitable and secure endeavor.
  5. Misconception #5: People need a 20% down payment to buy a home. While it is true that some lenders will only approve mortgages with at least 20% down, this isn’t always the case. Plenty of mortgage programs allow borrowers to put less than 20% down when buying a home, including government-backed loans such as FHA or VA loans. People need to do their research, and they may be able to find an option that works for them even if they don’t have a large amount saved up for a down payment.

Joe explained: “There are many misconceptions about mortgages and real estate investments today. It’s important to research and ensure you have the facts before making any decisions. With education and knowledge, you can become a confident investor or homeowner.”

 

Client Myranda Valdez says: “I highly recommend Joe Massey. He helped make our mortgage process run smoothly and answered all of our questions in a timely manner.”

 Client Sarah R. says: “Joe and his team were incredibly thorough and helpful. Joe and our realtor communicated consistently and he and his team did a lot to help us get our house, worked with us on schedules and touched base often to make sure everything was going well. I’m so grateful we worked with Joe and his team!”

 

 About Joe Massey

Joe is a graduate of the Colorado School of Mines with a degree in Economics and Business. Joe has been a lender since 2002; was named as a “Million Dollar Loan Officer” in 2007 and recognized by 5280 Magazine as a Five Star Mortgage Professional since 2012. Joe has been recognized as a top 500 loan originator nationwide by National Mortgage News and Scotsman Guide, most recently being recognized as the #64 top nationwide loan originator for 2021. National Mortgage News has ranked him in the top 1% of all originators nationwide since 2015. Prior to working with residential mortgages, Joe was a commercial lender, underwriter and financial analyst which prepared him for his mortgage career and taught him the specifics of how to get loans approved and how to find the best terms for the customer.

Joe now works as a Senior Loan Officer for Castle & Cooke Mortgage, a Billion Dollar mortgage lender based in Salt Lake City, Utah. In addition to his Loan Officer responsibilities, Joe manages several offices for Castle & Cooke Mortgage, including the Denver branch, which has been a leading office for the past 10 years and remains a top office for 2022 YTD. In partnership with Your Castle Real Estate, First Alliance Title, Pine Financial and other real estate companies in Denver, Joe has closed hundreds of loans for both experienced and first-time homebuyers as well as numerous property investors. Joe continues to contribute to the real estate and mortgage community with his monthly presentations on financing options and continuing education.

Learn more:

https://www.linkedin.com/in/jmasseylending/

https://www.loansbyjoemassey.com

NMLS #220170

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Energy Healer Fran Bailey Launches New Website to Share Her Vast Healing Knowledge

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Energy Healer Fran Bailey Launches New Website to Share Her Vast Healing Knowledge

Published on January 31, 2023

Fran Bailey, founder of The SHEVA Method and author of EMERGENCE: Reveal Your Essence has launched a new website especially created for 2023. The new site offers practitioners and clients the best energy medicine opportunities today.

Leading energy healer Fran Bailey has announced the launch of her new website, offering updated services especially created for 2023 plus Integration mentoring to help people live their best lives. Bailey, a renowned expert in energy medicine and the founder of The SHEVA Method, is excited to share her extensive knowledge and experience to help people benefit from the powerful healing potential of energy medicine.

Bailey’s new website is designed to provide online learning opportunities plus one on one resources for those interested in exploring the world of energy medicine. With a new focus on Mentoring, the site offers personalized support and guidance to help individuals understand and integrate energy medicine into their daily lives. The website offers a range of updated services that are specifically tailored for 2023, including virtual workshops, personalized healing sessions, and group mentoring.

As a seasoned practitioner with 20 years of experience, Bailey is passionate about helping people tap into their inner power to achieve their health and wellness goals. She has been widely recognized for her ability to facilitate healing and transformation through energy medicine and is widely considered a thought leader in the field.

Bailey’s new website offers a wealth of information and resources for those seeking to deepen their understanding of self-healing. From educational articles and videos to online workshops and events, the site provides a wealth of opportunities for client’s empowerment, health, growth and exploration.

“I am so excited to launch this new website and share my knowledge and experience with a wider audience,” said Bailey. “The SHEVA Method has the potential to change lives, and I am passionate about helping people tap into this powerful healing modality. Whether you’re just starting out or you’re a seasoned practitioner, there is something for everyone on my site.”

Bailey’s new website is designed to help individuals take their healing journey to the next level. Whether you’re looking to deepen your knowledge, find better all-around health, body mind and spirit support, or connect with other like-minded individuals, the site is your go-to resource for all things energy medicine.

To learn more about Fran Bailey and her new website, visit franbaileyhealer.com.

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Gavin Ekstrom, Senior Vice President of CrossCountry Mortgage, Interviewed on the Colorado Real Estate Leaders Podcast

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Gavin Ekstrom, Senior Vice President of CrossCountry Mortgage, Interviewed on the Colorado Real Estate Leaders Podcast

Published on January 31, 2023

Gavin Ekstrom discusses why Mentorship is essential for building a mortgage team. 

Listen to the interview on the Business Innovators Radio Network:
https://businessinnovatorsradio.com/interview-with-gavin-ekstrom-senior-vice-president-of-crosscountry-mortgage/

Gavin says: “Mentorship provides an invaluable opportunity to build a strong mortgage team. A mentor is someone with extensive experience and knowledge in the field who can share their expertise and offer advice and support to less experienced individuals. Mentors can help develop employees’ skills, guide best practices, assist with problem-solving, and foster collaboration among team members. Having a mentor on board gives employees access to experienced professionals who understand the industry inside out.”

Furthermore, Mentorship helps build relationships within the mortgage team by providing a forum for open communication and dialogue. It also helps build trust among team members, which is essential for any successful business. Through one-on-one conversations and formal meetings led by the mentor, team members can gain greater insight into each other’s strengths and weaknesses and how to work together more effectively.

Mentorship can be beneficial to both the mentor and the mentee. For the mentor, Mentorship allows them to give back to their industry by helping young professionals grow and become better at their job. Mentees benefit from having a trusted advisor who they can turn to for support and guidance as they navigate their career journey.

Overall, Mentorship is an invaluable tool for building a solid mortgage team that works together successfully and achieves success in the competitive marketplace.

By creating an environment where mentors provide guidance and support, teams can gain a deeper understanding of each other’s strengths and weaknesses while building trust and relationships. This, in turn, can create a more efficient and effective mortgage team, which will help drive success in the long run.

Client Kristen Goldner says: “Gavin and his team are amazing to work with. You won’t find better customer service – they are the best at communication and working with your unique situation. Highly recommend!”.

 Client Amanda L. says: “It’s all about service with Team Gavin! From start to finish our home-buying process was smooth and easy. We highly recommend Team Gavin, and will definitely use them for our future home-buying needs!”

 

 About Gavin Ekstrom

Gavin and his team are some of the top producers in the area, having closed 667 units in 2021, with more than $235 million in funding. Gavin’s approach to lending starts with the customer first. The team’s top priority is to understand a client’s goals so that they can offer a home loan that is right for the individual. Our biggest goal is to ensure clients are 100% satisfied through each process step.

Gavin has worked in the mortgage industry since 1993, providing countless hours of assistance and guidance to homebuyers. Whether buying, refinancing or renovating, Gavin is ready to give you the outstanding home loan experience you deserve. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan. Gavin and his team offer a wide range of loan programs, from FHA and VA to conventional and jumbo. You are an individual, and our recommendations will respect your unique circumstances!

Communication is critical, and sharing information is as important as listening. We will make sure you know what’s happening with your mortgage as it progresses through the process and will be available to answer your questions. Our promise to you is that we will be with you every step, from application to closing and beyond.

Urgency is a core value of Gavin and his team. Gavin will be able to provide you with quick and prompt service, with options to close loans in as little as 10 days.*

Learn more:

https://www.linkedin.com/in/gavinekstrom

https://www.gavinekstromccm.com/

NMLS #220170

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